Income statement, balance sheet and cash flow statement for the last 6 fiscal years, taken from the XBRL data NSTS Bancorp, Inc. files with the SEC in its annual reports.
In USD millions, except per-share amounts. Outflows in the cash flow statement are negative.
Income statement
FY2021
FY2021
FY2022
FY2023
FY2024
FY2025
Revenue
0.26
0.29
0.29
0.27
0.26
0.25
Interest expense
0.76
1.51
Pre-tax income
-0.62
-0.27
0.17
-2.96
-0.79
-0.39
Income tax
-0.5
-0.21
0.15
1
0
0
Net income
-0.11
-0.06
0.03
-3.96
-0.79
-0.39
EPS, basic
0.01
-0.79
-0.16
-0.08
EPS, diluted
0.01
-0.79
-0.16
-0.08
Shares, basic (weighted)
4.73
5
4.91
4.89
Shares, diluted (weighted)
4.73
5
4.91
4.89
Balance sheet
FY2021
FY2021
FY2022
FY2023
FY2024
FY2025
Cash and equivalents
31.9
122
13.1
31.4
53.5
34
Property, plant and equipment
5.21
5.09
5.04
5.29
5.31
5.11
Total assets
242
341
264
257
279
267
Total liabilities
195
296
184
179
202
187
Paid-in capital
0
50.4
50.9
51.7
52.3
Retained earnings
45.3
45.3
45.3
41.1
40.3
39.9
Treasury stock
0
-2.38
-3.24
-3.09
Other comprehensive income
1.41
-0.08
-11.1
-8.22
-8.61
-5.76
Shareholders' equity
46.7
45.2
80.5
77.5
76.5
80
Total equity
46.7
45.2
80.5
77.5
76.5
80
Total liabilities and equity
242
341
264
257
279
267
Shares outstanding
0
5.4
5.32
5.25
5.26
Cash flow statement
FY2021
FY2021
FY2022
FY2023
FY2024
FY2025
Net income
-0.11
-0.06
0.03
-3.96
-0.79
-0.39
Depreciation and amortization
0.29
0.27
0.27
0.27
0.29
0.3
Stock-based compensation
0
0.52
0.77
0.68
Deferred income tax
-0.24
-0.28
0.28
0.99
0
0
Cash from operations
-0.62
1.45
2.99
0.43
9.43
4.05
Capital expenditures
-0.1
-0.14
-0.22
-0.52
-0.32
-0.1
Purchases of investments
-38.6
-49
-59.5
0
0
-10.8
Sales and maturities of investments
12.1
6.77
0
28.5
0
0
Cash from investing
-5.93
-11.8
-44.5
25
-8.16
-9.77
Stock issued
0
49.4
0
0.22
0.22
Share buybacks
0
-2.38
-0.97
0
Cash from financing
6.04
100
-67
-7.14
20.8
-13.7
Net change in cash
-0.51
89.7
-108
18.2
22.1
-19.4
Free cash flow
-0.72
1.31
2.77
-0.09
9.11
3.95
Interest paid
1.54
0.95
0.77
1.46
3.26
3.56
Income taxes paid
0.04
0
0
0
0
Key metrics
Worked out from the statements above. Latest values use the trailing twelve months to June 30, 2026; growth uses fiscal years. Valuation uses the share price of $14.12 on September 25, 2026.
Profitability
Metric
Value
How it is calculated
Pre-tax margin
-17.0%
Pre-tax income / revenue.
Net margin
-17.0%
Net income / revenue.
FCF margin
5,721.0%
Free cash flow (cash from operations - capital expenditures) / revenue.
Operating cash flow margin
5,740.0%
Cash from operations / revenue.
Return on equity (ROE)
-0.1%
Net income / average shareholders' equity (opening and closing). Not shown when equity is negative.
Return on assets (ROA)
-0.0%
Net income / average total assets.
Stock-based pay / revenue
369.6%
Stock-based compensation (from the cash flow statement) / revenue.
Capex / revenue
19.0%
Capital expenditures / revenue.
D&A / revenue
118.6%
Depreciation and amortization / revenue.
Growth
Metric
Value
How it is calculated
Revenue growth, 1y
-1.6%
Revenue vs the same period a year earlier. Only from a positive base.
Revenue CAGR, 3y
-4.7%
Compound annual growth of revenue over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Revenue CAGR, 5y
-0.2%
Compound annual growth of revenue over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Operating cash flow growth, 1y
-57.0%
Operating cash flow vs the same period a year earlier. Only from a positive base.
Operating cash flow CAGR, 3y
10.7%
Compound annual growth of operating cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Free cash flow growth, 1y
-56.7%
Free cash flow vs the same period a year earlier. Only from a positive base.
Free cash flow CAGR, 3y
12.5%
Compound annual growth of free cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Book value growth, 1y
4.6%
Book value vs the same period a year earlier. Only from a positive base.
Book value CAGR, 3y
-0.2%
Compound annual growth of book value over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Book value CAGR, 5y
11.3%
Compound annual growth of book value over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Total assets growth, 1y
-4.3%
Total assets vs the same period a year earlier. Only from a positive base.
Total assets CAGR, 3y
0.3%
Compound annual growth of total assets over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Total assets CAGR, 5y
1.9%
Compound annual growth of total assets over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Share count change, 1y
-0.5%
Change in diluted weighted shares vs a year earlier. Negative means buybacks shrank the share count; positive means dilution.
Share count change per year, 3y
1.1%
Change in diluted weighted shares, per year over 3 years. Negative means buybacks shrank the share count; positive means dilution.
Capital expenditures / cash from operations, when that is positive.
Per share
Metric
Value
How it is calculated
EPS, diluted
-$0.01
Net income per diluted share, as reported (split-adjusted). Over the last twelve months: the four quarters summed, or net income / latest diluted shares when a quarter has no reported EPS.
Revenue per share
$0.05
Revenue / diluted weighted shares.
FCF per share
$2.94
Free cash flow / diluted weighted shares.
Operating cash flow per share
$2.95
Cash from operations / diluted weighted shares.
Book value per share
$15.25
Shareholders' equity / shares outstanding (diluted weighted shares when not reported).
Market cap + total debt - cash - short-term investments.
P/S
293x
Market cap / revenue.
P/B
0.93x
Market cap / shareholders' equity. Only when equity is positive.
Price / tangible book
0.93x
Market cap / tangible book value, when positive.
P/FCF
5.13x
Market cap / free cash flow. Only when free cash flow is positive.
P/OCF
5.11x
Market cap / cash from operations, when positive.
EV/Sales
105x
Enterprise value / revenue.
EV/FCF
1.84x
Enterprise value / free cash flow, when both are positive.
FCF yield
19.5%
Free cash flow / market cap.
Earnings yield
-0.1%
Net income / market cap (the inverse of P/E).
What was NSTS Bancorp, Inc.'s revenue in fiscal 2025?
NSTS Bancorp, Inc. reported revenue of $252.0K for fiscal 2025, 1.6% lower than the year before.
Was NSTS Bancorp, Inc. profitable in fiscal 2025?
No. It reported a net loss of $386.0K.
How much free cash flow did NSTS Bancorp, Inc. generate in fiscal 2025?
Cash from operations of $4.1M minus capital expenditures of $104.0K left free cash flow of $3.9M.
Source: SEC EDGAR XBRL company facts. Where a company tags only year-to-date figures, quarters are worked out as differences. Where a line is not tagged it is left empty, never estimated.